In dealing and helping with house insurance claims, one of the things we notice most, is that people may have a policy in place, but it´s not tailored to their needs. They may have buildings insurance, taken out when they bought the property with a bank mortgage (so were required by the bank to have one) and the likelihood is that they were sold the banks buildings insurance package at completion of the deal (along with numerous other financial packages that may be of dubious value). But that policy may be sitting with the bank and not relevant to the needs of the dwelling now. Or it may not be the best value on the market.
Often we find with home and contents insurance, that perhaps because of language difficulty, clients do not understand the fine detail of their policy. So it may be that high value items are not covered or by not enough. Or as house contents themselves change over time, are those laptops, tablets and phones covered?
It’s important to understand the policy you are signing up to and paying for. Being able to talk to a broker in your native tongue if you do not speak fluent Spanish, is reassuring. It enables and encourages more analysis of the cover by the buyer, more precise targeting of what actually needs insuring and far greater ease when needing to make contact about a problem or to process a claim.